stuffthebanks' UE diary

[stuffthebanks]

Re: Stuff the banks ue diary

Mmmmm.....

That date in the bottom right corner is a bit of a giveaway. I take it you've posted it as you got it or have you blanked your name and signature?

Hello mate....no,its the original....as sent.....we never ever signed anything with Very....and the date at the bottom is as sent...

[stuffthebanks]

Re: Stuff the banks ue diary

REALLY??!! As an ex employee, am quite suprised at this given the date ...... suppose there have to be a few about.

Have to admit i was gutted to find out its enforceable Oscar....especially as it had application form plastered across the top...but i certainly wont argue with Niddy....i just dont have the knowledge and he most certainly does......
Interesting to hear your views on it though Oscar.....
I certainly have no problem with anyone looking at any of my CCA's on here though...i can always mail them....
Cheers..

[oscar]

Re: Stuff the banks ue diary

MBNA CREDIT CARD

19/2/12....Thanks for looking Niddy....end of the road with this one.....

REALLY??!! As an ex employee, am quite suprised at this given the date ...... suppose there have to be a few about.

[oldyboy]

Re: Stuff the banks ue diary

Mmmmm.....

That date in the bottom right corner is a bit of a giveaway. I take it you've posted it as you got it or have you blanked your name and signature?

[stuffthebanks]

Re: Stuff the banks ue diary

Very catalogue

Started : July 2004...Account started back in 2001 as Argos,then changed to Argos Additions,Then Additions and finally to Very...
Original account as Argos back in 2001
Balance:£1804
Last payment:November 2012 £30.00
Now paying:Nothing

Status:No CCA PRODUCED..Account in default

Financial difficulties meant the £120 per month could no longer be met..so....I will try to be as precise as possible..

30/8/11..Arrears collection dept..Account is in arrears.
5/9/11...Letter sent to Very asking for help in reduced payments.
Income and expenditure also sent.
12/9/11..Letter sent to Very..Telephone harassment letter sent.
13/9/11...Letter from Very...Unable to accept my proposals..
16/9/11...Letter from arrears collection dept.
22/9/11..Letter sent to Very..telling them they are being unreasonable.
26/9/11..Letter from arrears collection dept.
28/9/11..Letter from Very...Unable to accept payment proposals
7/10/11..Letter from Very...unable to accept proposals..
7/10/11..Take me to court template letter sent to Very.
10/10/11..Letter to Very...Telephone harassment template sent to Very.
13/10/11...Letter from Very..Acknowledgement of complaint from Very.
18/10/11...Letter sent to Very...Another complaint regarding phone calls and the ignorance in response to our financial situation.
20/10/11...Letter from Very...regarding my recent letter..its all down to the auto dialler...and we need to ring to arrange payment plan...
We did ring..and they would not accept payment offer,and that we could only set up plan through someone that manages a DMP....
10/11/11..CCA and SAR request sent to Very..
24/11/11...Letter from Very...They have agreed a payment plan of £30.00 per month,and interest frozen for 12 months.
5/12/11....CCA default letter sent to Very..
22/12/11...SAR received from Very...
14/1/11..Usual monthly statement received from Very...no charges showing...
4/1/12...Acknowledgement of my putting account into default because of no CCA..
1/2/12...Letter from Very...Further to the letter sent on 4th Jan..investigation continuing and final response by 28th Feb..
17/2/12..Normal statement received....no charges added...but acknowledge a failed payment from January...
21/2/12...Response from very re CCA request.....i have copied it onto the end of this.....i share this with you all to give Niddy a rest.......i dont think its quite what i need to make the debt enforceable....

[stuffthebanks]

Re: Stuff the banks ue diary

MBNA CREDIT CARD

Started 12/10/04
Balance - £2300
Last payment £30.00 January 2012
Status. Not in default

CCA received on 12/2/12...No expert,but looks unenforceable to me...so i'm going down the UE route with this one now.

17/2/12 ...CCA posted on secure database for Niddy to look at
19/2/12....Thanks for looking Niddy....end of the road with this one.....

[stuffthebanks]

Re: Stuff the banks ue diary

Just a thought on Argos.....i have not received the SAR i requested back in December.....but the Lowell statement does show a £10.00 payment from the original amount......
I have a feeling the £10.00 i sent Argos as payment for the SAR has been used to pay off on my account instead....
So maybe its time to go back to Argos and find out why they have not sent me what i asked for,and what happened to the money i sent them???

Thoughts??????

[nanna58]

Re: Stuff the banks ue diary

i have been here 2yrs and still trying to understand the "speak" but do not feel as worried as before or stressed youll be fine xxx

[stuffthebanks]

Re: Stuff the banks ue diary

MBNA CREDIT CARD

Started 12/10/04
Balance - £2300
Last payment £30.00 January 2012
Status. Not in default

CCA received on 12/2/12...No expert,but looks unenforceable to me...so i'm going down the UE route with this one now.

17/2/12 ...CCA posted on secure database for Niddy to look at

[stuffthebanks]

Re: Stuff the banks ue diary

You're doing well and I love your username, that's exactly how I feel about them!

It's easy to get confused with so many templates, etc. but you'll get the hang of it. The good thing is that you posted your questions here and we could clarify them for you.

In the beginning it can be scary when you receive all those threatening letters I also used to worry about them. After a while you'll just get used to receiving letters and filing them away. The Niddy templates quote a lot of Case Law and Statute Law which is precisely the way to let them know you know it's UE. Most DCAs run a mile when they receive letters like that, they prefer to go after easier prey (a.k.a. non AAD members).

Thanks Flower.....a rose amongst thorns......

[stuffthebanks]

Re: Stuff the banks ue diary

send them a copy of the sold in dispute template, just send as is. Niddy carefully crafts these templates so that you don't admit anything that could be detrimental to you.

it can be very confusing but we will help you through, Mr D and I have 21 debts between us so good files are a must to keep track of it all.

Cheers ELD,
The penny finally dropped for me....
I think that template fits perfectly...
I will send out tomorrow.....
Thanks for all the help everyone...

[MrsD]

Re: Stuff the banks ue diary

send them a copy of the sold in dispute template, just send as is. Niddy carefully crafts these templates so that you don't admit anything that could be detrimental to you.

it can be very confusing but we will help you through, Mr D and I have 21 debts between us so good files are a must to keep track of it all.

[stuffthebanks]

Re: Stuff the banks ue diary

Sorry Flower p...
I have gone off half cocked...

Right...a recap....
Argos sold account to Lowell's last November.
I sent off CCA and Sar, requests at the start of December.
Argos sent me back what Niddy says is an unenforceable application.
I have not yet received the SAR pack.
Up to now i have not responded to Lowell's.
The latest letter was from Red....
I got the template off the post I2d responded with,and adapted it to suit,or so i thought.....
In hindsight i think i messed it up....
I did read through the template,and it really did not tally up with my account....

I fully respect the knowledge you guys have....i am a novice,and find it a bit confusing at times.....must be my age.....

I guess i just need to know how to respond if at all to Red,on the situation as it stands...
I have an unenforceable account,but i dont know if they actually know that?????
And how do i go about letting them know?

[stuffthebanks]

Re: Stuff the banks ue diary

Hi

If I understand correctly

You have sent a CCA request to Argos, the OC

They have sent an application form - has Niddy deemed this as UE as I can't see this info anywhere??

If it has now been sold to Lowells and you have not contacted them yet I would be inclined to send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

This is just what I would do, the lack of reply to the SAR is another issue but does not affect the UE status due to the default of the valid CCA request, as far as I am aware.

MK

Hello MK,
thanks for replying.....
Yes Niddy confirmed it was unenforceable,just an application form.
Advice given up to now has been to ignore Lowells...which is just what i have kept to.
To be honest....if i am totally honest, i dont really know how to proceed.....other than send the draft letter i put in the post before this one..i dont know.....
Confused......

[mk_chatham]

Re: Stuff the banks ue diary

Hello Itd, thanks for your reply....
I'm not sure about that response to be honest....bearing in mind i have not made any sort of contact with them at all.
I was thinking leave it and see what they send next, bearing in mind i still have not received the SAR from Argos.The OC..and thats been nearly 60 days now......
Do you think silence is not the way to go from now onwards then??
Cheers.

Hi

If I understand correctly

You have sent a CCA request to Argos, the OC

They have sent an application form - has Niddy deemed this as UE as I can't see this info anywhere??

If it has now been sold to Lowells and you have not contacted them yet I would be inclined to send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

This is just what I would do, the lack of reply to the SAR is another issue but does not affect the UE status due to the default of the valid CCA request, as far as I am aware.

MK